# Hiscox

**Canonical:** https://apis.io/providers/hiscox/  
**Website:** https://www.hiscoxgroup.com/  
**APIs profiled:** 4

Hiscox Ltd is a diversified international specialist insurance and reinsurance group with roots in the Lloyd's of London market dating to 1901, domiciled in Bermuda and listed on the London Stock Exchange, operating from 31 offices across 13 countries. Its home market is the United Kingdom, where it underwrites through three segments: Hiscox Retail (small business, professional and specialty personal lines sold direct and through brokers in the UK, Europe and the USA), Hiscox London Market (larger and more complex specialty risks written out of London for a worldwide client base, including marine, energy, aviation, specialty property and casualty, and cyber), and Hiscox Re & ILS (reinsurance and insurance-linked securities). Its API posture is partner-gated rather than public. Hiscox operates a genuine first-party developer portal at developer.hiscox.com serving its US small-business arm, and that portal publicly enumerates three active APIs - Eligibility, Quote v4 and Setup Payment - but every reference document, sandbox credential and OpenAPI/Swagger file sits behind a login that is only issued after a Hiscox Partnership Manager approves a commercial partnership. There is no self-serve signup, no downloadable specification and no public claims or FNOL API. The group does ship APIs outside that portal: Hiscox London Market launched a Cargo API for small cargo and stock throughput risks in June 2025, built in-house and distributed through broker partners as coverholders, but it has no developer portal listing, no documentation and no specification - it is announced through the newsroom and reached through a broker partnership. Authentication is OAuth 2.0 plus a partner-issued API key over TLS 1.2 only, all APIs are REST, and both XML and JSON are supported. Hiscox's most concrete open-standards footprint is ACORD rather than REST: in July 2025 ACORD and Howden announced that ACORD Standards for digital accounting and invoicing went live in the UK retail insurance market with Hiscox as the receiving insurer, responding in real time to Howden's digital invoices through the ACORD Solutions Group ADEPT (ACORD Data Exchange Platform & Translator) receiver portal.

## Kin Score — 33.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.8).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Hiscox Eligibility API** — Partner-facing eligibility lookup that returns the list of US states and the Hiscox products offered by profession, used to determine whether a risk can be quoted before a quote...
- **Hiscox Quote API v4** — Partner-facing quoting API that returns a competitive general liability, professional liability, business owner's policy (BOP) and/or cyber quote for purchase via partner portal...
- **Hiscox Setup Payment API** — Partner-facing payment API that initiates the Hiscox policy payment process, completing the quote-to-buy flow for partner-distributed small business policies. Listed as Active o...
- **Hiscox Cargo API** — Hiscox London Market API-based solution for underwriting small cargo and stock throughput risks, launched 30 June 2025 and distributed through broker partners acting as coverhol...

## Security (2)

- **Hiscox Authentication** — oauth2/apiKey · 2 schemes
- **Hiscox Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, United Kingdom, Property and Casualty, Specialty Insurance, Cyber Insurance, Underwriting, Reinsurance, Lloyd's of London, Small Business Insurance, Quotes, ACORD, Carrier, Cargo, Marine, Payments, API Gateway

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/hiscox/). Scores are computed from the provider's own public artifacts under a published rubric.